Calculators
Calculator
DSCR Calculator
Calculate the Debt Service Coverage Ratio for an investor / rental-property loan. DSCR ≥ 1.0 qualifies for most standard DSCR programs.
Inputs
$
%
$
%
$
$
$
DSCR result
0.83
Debt Service Coverage Ratio
Below 1.0 — consider no-ratio DSCR
Effective rent (annual)$51,300
PITIA (monthly)$5,147
Most DSCR programs floor at 1.0. No-ratio DSCR programs accept sub-1.0 (typically down to 0.75) at higher rate and lower LTV.
This site does not quote a rate or APR you can lock. A rate, APR, and terms depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors, and come from a licensed loan officer. Not all applicants will qualify.